EASY ASSESSMENT ENTERPRISES LTD

Easy Assessment Enterprises Ltd (“we”, “us”, “our”) is a UK‑based personal lending business providing salary‑backed loans to salaried individuals. We are committed to protecting and respecting your privacy. This policy explains when and why we collect personal information, how we use it, the conditions under which we may disclose it to others, and how we keep it secure.

1. The Website

The website, www.easy-accessloans.com and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This website complies with all UK national laws and requirements for user privacy, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Use of Cookies

What are cookies?

Cookies are small files saved to the user's computer's hard drive that track, save and store information about the user's interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.

What do we use cookies for?

We may use cookies to remember personal settings you have chosen at our website. In no other context do we use cookies to collect information that identifies you personally. Most of the cookies we set are automatically deleted from your computer when you leave our website or shortly afterwards. We use anonymous session cookies (short-term cookies that disappear when you close your browser) to help you navigate the website and make the most of the features. If you log into the website as a registered user, your session cookie will also contain your user ID so that we can check which services you are allowed to access.

This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computer's hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information.

Should users wish to deny the use and saving of cookies from this website onto their computer's hard drive, they should take necessary steps within their web browser's security settings to block all cookies from this website and its external serving vendors.

3. Personal Information We Collect

Whilst using our website, software applications or services, you may be required to provide personal information (name, address, email, living and financial circumstances, etc.). We will use this information to administer our website, applications, client databases and marketing material. We will ensure that all personal information supplied is held securely in accordance with UK data protection legislation.

Further, by providing telephone, fax and email details, you consent to Easy Assessment Enterprises Ltd contacting you using that method. You have the right at any time to request a copy of the personal information we hold on you. Should you wish to receive a copy of this, or would like to be removed from our database, please contact us at support@easy-accessloans.com.

4. How We Collect Information

We collect information in two possible ways:

• Directly Provided Data: When you use our website to communicate with us, you may choose to voluntarily give us certain information – for example, our online loan application and enquiry forms ask you to fill in text boxes with personal information. All this information requires a direct action by you at that time in order for us to receive it.
• User Authorised Data: Depending on your settings or the privacy policies for other online services, you may give us permission to obtain information from your account with those other services. For example, this can be via social media or by choosing to send us your location data when accessing our website from your smartphone.

5. How We Use Your Information

We use the information we collect to:

• Make credit decisions about you, members of your household or others to whom you are linked financially
• Communicate with you by telephone, email, SMS, or post
• Manage your account, make collections and debt tracing
• Prevent fraud and money laundering
• Report to Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs)
• Comply with our legal and regulatory obligations and fulfil our legitimate interests of promoting responsible lending

If you do not provide us with your information, we will not be able to lend to you. We may also use your information for other purposes where you have consented to this, for example for surveys and research.

6. How Long We Keep Your Data

We will not retain your personal information longer than necessary. We will hold onto the information you provide either while your account is in existence, or as needed to be able to provide the Services to you, or for as long as is necessary to provide support-related reporting and trend analysis only. If legally required or if it is reasonably necessary to meet regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce our Terms and Conditions, we may also retain some of your information for a limited period of time as required, even after you have closed your account or it is no longer needed to provide the Services to you.

7. Sharing Your Information

We will not sell or rent your personally identifiable information to anyone. We may share your information with:

• Third parties to which we transfer, charge or assign your agreement or manage your loan or provide services for us
• Law enforcement agencies or regulatory bodies where we are required to do so by law
• CRAs and FPAs to which we may report positive, delinquent and default data about your account(s) on a regular (minimum monthly) basis. This information may be supplied to other organisations which search your credit record. When CRAs receive a search from us they place a search “footprint” on your credit file whether or not the application proceeds. Records remain on file with CRAs and FPAs for 6 years after they are closed, whether settled by you or defaulted.

8. Your Rights

You have the right to:

• Access the information we hold about you
• Ask us to make any changes to your information to make sure it is accurate and up to date
• Ask us to stop or limit our use of or to delete your information
• Receive your information in a format that suits you
• Transfer your information to a third party
• Be told which CRAs we have used and obtain a copy of your file from CRAs

9. Contact & Complaints

If you have questions, want to exercise your rights or make a complaint, please contact our Data Protection Officer at:

Easy Assessment Enterprises Ltd
Email: support@easy-accessloans.com

You also have the right to make a complaint to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues. Contact details are available at https://ico.org.uk.